West Bromwich Building Society Balance Sheet Health
Financial Health criteria checks 2/6
West Bromwich Building Society has total assets of £6.0B and total equity of £444.7M. Total deposits are £31.8M, and total loans are £4.8B earning a Net Interest Margin of 1.8%. It has insufficient allowance for bad loans, which are currently at 5.5% of total loans. Cash and short-term investments are £600.1M.
Key information
13.5x
Asset to equity ratio
1.8%
Net interest margin
| Total deposits | UK£31.80m |
| Loan to deposit ratio | High |
| Bad loans | 5.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | UK£600.10m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: WBROM's Assets to Equity ratio (13.5x) is moderate.
Allowance for Bad Loans: WBROM has a low allowance for bad loans (38%).
Low Risk Liabilities: 99% of WBROM's liabilities are made up of primarily higher risk sources of funding.
Loan Level: WBROM has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: WBROM's Loans to Deposits ratio (15047%) is high.
Level of Bad Loans: WBROM has a high level of bad loans (5.5%).